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MidFirst Bank

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo Annual Fee and Rewards for Everyday Purchases*MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Transaction fees
Cash advance5% of the amount, minimum $10, The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The MidFirst Bank Platinum credit card APR for purchases and balance transfers will be based on your creditworthiness (between 13.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Balance transfer3% of the amount, minimum $10, The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The MidFirst Bank Platinum credit card APR for purchases and balance transfers will be based on your creditworthiness (between 13.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Foreign transaction3% of the amount, The MidFirst Bank Rewards Credit Card APR for purchases and balance transfers will be based on your creditworthiness (between 17.49% and 23.49% APR) and will vary based on the prime rate (up to 24.99%). The APR for cash advances will vary based on the prime rate (up to 24.99% APR). The APR for penalty rates will vary based on your creditworthiness (up to 24.99% APR). The MidFirst Bank Platinum credit card APR for purchases and balance transfers will be based on your creditworthiness (between 13.49% and 21.49% APR) and will vary based on the prime rate (up to 24.99%). The transaction fee for balance transfers is $10 or 3% of the amount of each transfer, whichever is greater. The transaction fee for cash advances and cash equivalent transactions is the greater of $10 or 5% of the transaction. Foreign transaction fee is 3% of each transaction in U.S. dollars. Payments on your account may be applied in the order we select, subject to applicable law. We reserve the right to change the account terms should your credit profile change or for other reasons as described in your Cardholder Agreement. All changes in terms will be subject to the requirements of applicable law. Rates apply to new accounts only and are accurate as of February 1, 2026. Subject to credit approval.MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Penalty fees
Late payment—
Returned payment—
Signup bonuspoints award20,000 points. Spend $2,000 on eligible purchases. Qualify within 90 days after account opening. Points may be redeemed for a $200 statement credit or other rewards. Award posts within 1–2 statement cycles after qualification. Offer expiration not disclosed. Earn 20,000 bonus points when you spend $2,000 in the first 90 days*MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Signup source conditionsOffer only valid for Consumer Rewards Credit Card applications. Qualifying cardholders will receive 20,000 bonus points that can be redeemed for a $200 statement credit or used toward other rewards. See the MidFirst Rewards Terms and Conditions Summary in the MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website
Signup source conditions for details. To qualify, cardholders must make an eligible purchase or purchases totaling $2,000 or more during the first 90 days after account opening. Eligible purchases do not include cash advances, balance transfers, interest charges, fees, or cash equivalent transactions, which are transactions performed using a merchant or service provider that Visa® identifies as a seller of traveler’s checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or similar products or services. Merchant refunds and credits will count against the total of purchases. Bonus points will be applied to the cardholder’s account within one to two statement cycles after qualifications are met, as long as the qualifying account is open and not in default. Limit one bonus offer per customer and/or per account. Existing or previous cardholders may not be eligible for this one-time bonus offer. MidFirst Bank · Page Capture Oct 2, 2026 · Captured Oct 2, 2026Website